Spring Conference & Expo: Independent Mortgage Banks, Secondary Markets, Servicing and Technology

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Tuesday, April 20, 2021

  • Servicing Solutions Track: Credit Reporting under the CARES Act

    Location: Breakouts


    Eric Ellman, Senior Vice President, Public Policy, Consumer Data Industry Association

    Cory Patrick, Director, Consumer Bureau Management, U.S. Bank

    Ethan Dornhelm, Vice President, Scores and Predictive Analytics, FICO

    Servicing Solutions

    The CARES Act contained important consumer protections for borrowers impacted by COVID-19, including changes to the Fair Credit Reporting Act (FCRA). Panelists highlight key compliance challenges of the credit reporting provision and discuss how reporting of forbearance and post-forbearance accommodations can impact credit scores.


    Eric Ellman, Senior Vice President, Public Policy, Consumer Data Industry Association

    Eric J. Ellman is the Senior Vice President for Public Policy and Legal Affairs at the Consumer Data Industry Association (CDIA) in Washington, D.C.  Eric also served for eight months the Interim President and CEO of the association.  Among other things, Eric leads the government affairs program, runs the legal department, and participates in the management of the association.  Eric has been with CDIA since January 1998. Founded in 1906, CDIA is the international trade association that represents consumer data companies -- the nation’s leading institutions in credit reporting, mortgage reporting, check verification, fraud prevention, risk management, employment screening, and tenant screening. Eric’s work for CDIA was highlighted on the front page of the USA Today Money section in June 2007.  In that article, he was called a “warrior” who is “always well-prepared for battle”.  Eric was also a featured guest on the Podcast, The Lobbying Show.  Eric has testified over 100 times before state legislative committees, and he has appeared in many national and local media stories. Prior to joining CDIA, Eric worked for the Direct Selling Association (DSA) from 1992 - 1997.  Eric, a native New Yorker, has been in and around government and public service and politics for most of his life.  In 1989, he became the youngest elected official in Maryland when he was elected to the Friendship Heights Village Council, and he went on to serve four terms on that council.  Eric made an unsuccessful run for the Maryland state legislature in 1994. From 2006 to 2011, Eric served on the Board of Directors of Wonders Child Care, one of the largest non-profit childcare organizations in the DC-metro area.  From 2011 to 2020, Eric served on the Board of Directors of Congregation B’nai Tzedek in Potomac, Maryland. Eric has a B.S. from American University in Washington, D.C. and a law degree from the University of Baltimore.  Eric is a member of the bar in Maryland and Pennsylvania and he CIPP/US certified by the International Association of Privacy Professionals (IAPP).

    Cory Patrick, Director, Consumer Bureau Management, U.S. Bank

    Cory began his career at U.S. Bank in 2005 after graduating from the University of Michigan.  During his tenure at U.S. Bank, he’s held a variety of positions in project management, loan originations, underwriting and both branch and back office operations.  Cory is currently the Director of Consumer Bureau Management, overseeing data furnishing and consumer disputes for the consumer lending and mortgage portfolios.   Originally from Wisconsin, he now resides in Phoenix, Arizona with his husband Josh.  Cory enjoys traveling, trivia and reading in his spare time.  

    Ethan Dornhelm, Vice President, Scores and Predictive Analytics, FICO

    Ethan Dornhelm is a Vice President in the Scores and Predictive Analytics unit at FICO.  He is currently responsible for the analytic development of FICO® Scores globally, as well as the research and development of new products and services within the Scores organization. Ethan has spent much of his 20 years at FICO supporting the technical redevelopment, maintenance and analytic support of FICO® Scores in North America. He was one of the original analysts overseeing the development of the company’s consumer credit education portal myFICO.com. Prior to FICO, Ethan served as a Director in the credit risk management group at American Express. Focused on underwriting strategies in the consumer card business, he evaluated and utilized new data sources for consumers with limited credit history. Ethan has a B.S. in Management Science/Operations Research from UC San Diego.

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